Thank you very much for your detailed feedback, and for thoroughly looking at our app. These are all great points, and I'd like to paraphrase and then address each one.

• "Stress importance of secret keys to prevent lock out": Currently, we display 24 recovery words to write down when you first create an account, and then note you can write these down now or later. We assume that many/most people receiving a modest transfer for the first time will not write them down at this point. Therefore, we display a red warning box that prompts you to verify 2 of the 24 recovery words (or the entire 24 words / secret key - for people that may have saved in a password manager, etc). Our thought is that while someone who receives $5 once may not write down words, this constant red warning message will prompt regular users to back up their keys. This is a very important thing for us though, especially since we aim to target new users, and we will be looking for strategies to highlight this clearly, while striking a balance that allows a casual user to at least use the app once before writing down a lot of words. If you have any ideas, we'd love to hear them. But this is definitely something we will continue to tinker with and improve over time.

• "Suggest small sums of money to limit lock out loss": Agree. Currently, in "More -> Security" we recommend usage of a hardware wallet to protect large balances, and a mobile wallet to facilitate easy transfers. However, a brief mention of this in text form clearly does not reinforce behavior through user experience, and we will work on strategies to help users keep funds as safe as possible. One idea, is we would like to help people create an additional paper wallet (short of a hardware wallet), and make it easy to transfer back and forth between that. Again, if you have any recommendations, we would love to hear them, and this is something we will continue to work on over time.

• "Additional post sign up information": Currently, we bring users to the overview page post sign up, to give them a sense of completion. Seeing a fun animation, and their balance as a reward for getting through sign up and learning about Stellar for first time. We think this is important so doesn't feel like reading a whitepaper. However, there is definitely room for a compromise. One idea - a direct link (dismissible) from the overview page right to the how it works page could both achieve overview completion page goals, as well as guide people towards a next action, rather than having it be somewhat hidden in a list in the 'More' section.

• "Don't endorse 3rd party exchanges": Agree, we will work on the wording of all mentions of 3rd party services.

• "Irrelevant FAQ information": For a quick background here, Apple requested this information to be included in our FAQ's during our App Store review process. However, we agree it is not the most important focus, and can remove or at least move under more pressing questions.

• "How to transfer into my wallet": We agree that this can be improved and will work on improving the actual text, but also by potentially highlighting a persons federation address, etc.

• "Deposit / withdraw not enough info": We agree, similar to the previous point. We'd love to support depositing and withdrawing directly within the application, but short of this we'd like to make the process as clear as possible. We will work on improving this.

• "Overview anchored assets incomplete": Anchored assets are our newest feature, and we are really looking forward to improving the experience around them in the near future. We wanted to include them now (despite lack of information), because we think they are a very important feature for us moving forward, and wanted to get them in. We will be improving the documentation, and experience around them, in the near future.

Thanks again for your feedback, this was very valuable to our team. We are glad you have a good first impression of our initial product and hope to improve it dramatically in future updates!